Financial Calculators
Coast FIRE Calculator
The point where you can stop saving for retirement and let compounding finish the job.
Your Coast FIRE number today
₹37,86,930
₹22,86,930 short of it
- Retirement number at 55
- ₹6,43,78,061
- What today's investments grow to
- ₹2,55,00,097
- SIP to get there anyway
- ₹20,488
Coast FIRE is the point where you can stop adding to retirement savings and let compounding finish the job, freeing your income for everything else. It says nothing about stopping work. The inputs that move it most are the return assumption and the years of compounding left.
These figures are for illustrative purposes only and are not investment advice. Please consult your investment adviser for investment related advice.
Save hard early, then coast
Coast FIRE is the amount you need invested today so that, with no further contributions, it grows into a full retirement corpus by your chosen age. Reach it at thirty-five and every rupee you earn after that is for the present: a lower-paid job you prefer, a sabbatical, a business, more time with children. Retirement is already taken care of.
The calculator finds your retirement number, discounts it back at your expected return, and compares that with what you have. If you are short, it shows the SIP that closes the gap in the years available.
Discount the retirement number back to today
FI number = expenses x (1 + inflation)^years / withdrawal rate\nCoast number = FI number / (1 + return)^years\nSIP to close = (FI number - today's corpus grown) / annuity-due factorWorked example: at 30 with Rs 6,00,000 of annual expenses, 6% inflation and a 4% withdrawal rate, retiring at 55 needs Rs 6,43,78,061. At a 12% return the Coast FIRE number today is Rs 37,86,930. With Rs 15,00,000 invested you are Rs 22,86,930 short; a SIP of Rs 20,488 a month for 25 years fills the gap regardless.
Frequently asked questions
Is Coast FIRE realistic in India?
The maths is universal. What differs is the inputs: higher inflation and a more cautious withdrawal rate raise the number. Use 3-3.5% for the withdrawal rate to be safe.
Why is the coast number so sensitive to the return?
Because it is discounted over decades. At 10% instead of 12%, the number rises by roughly half. Use the lower figure to plan and treat the higher as upside.
Does a defence pension change this?
Substantially. Enter only the expenses the pension will not cover; the retirement number, and therefore the coast number, falls in proportion.
After I reach it, should I stop investing entirely?
You can stop for retirement. Other goals, and an emergency fund, still need their own money. Many people keep a smaller SIP going as insurance against a lower return than assumed.
Front-load the effort. Then live.
We help younger investors hit Coast FIRE early with an aggressive, disciplined plan, and older ones see how close they already are.